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Boat Insurance

SkipperBud’s in your one-stop shop for all things boating including comprehensive boat insurance coverage. Our policies are designed to protect you and your boat or yacht while adventuring on the water. With over 60 years of industry experience, our insurance experts understand the unique needs of boaters and have tailored our coverage options to meet those needs. Get a quote today and start enjoying your time on the water with confidence.


Ask About Boat Insurance
  • Family crusing on a boat

    Why Insure Your Boat With SkipperBud’s?

    We understand that owning a boat is more than just a hobby, it's a lifestyle. That's why our insurance policies offer the protection you need to enjoy your boat or yacht with peace of mind. Here are some benefits you'll enjoy when choosing SkipperBud's for your boat insurance coverage:

  • Woman walking on a yacht

    Comprehensive Coverage: Our policies are designed to provide comprehensive coverage for your boat, personal property, liability, and more.

    Customizable Coverage: Each boat and boat owner's needs are different. That's why we offer customizable coverage options to fit your unique on-the-water needs.

    Experienced Agents: Our dealerships are staffed with experienced agents to help you with any questions or concerns you may have.

    Competitive Rates: We offer industry-wide competitive rates to help you save money on your boat insurance premiums.

Boat Insurance Frequently Ask Questions:


Do I need boat insurance?
Some states require boat insurance, but not all. Even if not required, it's wise to have coverage to protect against accidents, damage, and injury. High-value boats and frequent use increase the need for coverage.
What states require boat insurance?
Certain states, including Arkansas, Hawaii, Utah, and Washington, mandate boat insurance. Others require it when operating on certain waterways or financing a boat. It is still wise to be insured. Contact SkipperBud’s today to learn the requirements in your area.
What does boat insurance cover?
Boat insurance covers damage to your boat, liability, bodily injury, property damage, and uninsured/underinsured boaters. However, coverage varies depending on the policy and provider, so it's important to review the policy details carefully to understand what is and isn't covered.
How much is boat insurance?
Boat insurance cost depends on factors such as boat value, type, size, age, coverage limits, deductibles, and the boater's experience. It's best to speak with an expert to get a quote to understand your coverage options and the cost.
Can I get a discount on by boat insurance?
In some cases, you can receive a discount on boat insurance if you participate in a Boating Safety Course. Contact your provider to learn more.
What insurance do I need to rent out my boat?
Boat Rental Liability Insurance provides liability coverage for boat rentals. It protects against claims for damages or injuries caused by the rental boat, including damage to the boat itself, other boats, or property, and injuries to renters or third parties.
Does boat insurance cover engine damage?
If the engine is damaged due to a covered event, such as a collision or a storm, it may be covered. However, if the damage is due to normal wear and tear or lack of maintenance, it may not be covered. Review your policy carefully to understand what is and isn't covered in terms of engine damage.
Are boat trailers covered by boat insurance?
Yes, boat trailers are typically covered under boat insurance. The coverage usually includes damage or loss to the trailer while it's being used to transport the insured boat.

Our experienced agents are ready to answer any questions you may have and help you find the right policy for your needs. Get started today and boat with confidence knowing that you're covered by SkipperBud's boat insurance.

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If you're ready to protect your boat with comprehensive boat insurance coverage, contact us today.

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